(1) In May 2007, the Central Committee's Opinions on Strengthening Youth Sports and Strengthening Youth Physical Fitness (Zhong Fa [2007] No.7) clearly required:
"All schools should establish an emergency management mechanism for accidental injuries on campus, establish and improve the accidental injury insurance system for teenagers, and implement the government's method of purchasing school liability insurance for accidental injuries."
(II) In April 2008, the Notice of the Ministry of Education, the Ministry of Finance and the China Insurance Regulatory Commission on Promoting School Liability Insurance and Improving the Risk Management Mechanism of Accidental Injury on Campus (No.2 [2008] of Education and Manpower Institute) clearly required:
"The provincial education administrative departments, financial departments and insurance regulatory agencies are responsible for the work of school liability insurance within their respective administrative areas, and formulate policies and measures for implementing the school liability insurance system within their respective administrative areas according to the basic principles of implementing the school liability insurance system proposed in this notice.
According to the characteristics of insurance products provided by insurance companies, the coverage of outlets in the administrative region, service capacity, guarantee conditions, financial capacity and economic development in the region, insurance institutions are reasonably selected to implement unified insurance through bidding and other forms. "
Extended data:
(1) How to deal with compensation?
The compensation for campus liability insurance is handled according to the provisions of the clause. Within the compensation limit stipulated in the policy, the compensation shall be calculated based on the amount that should be paid by the insured as determined by the court or relevant government departments according to law or negotiated between the parties and the insurer.
After the accident within the scope of insurance liability is confirmed, the insurer shall negotiate with the insured in time. If no agreement can be reached or there is a big difference, it should be solved by law, and the court decision should be the final basis for the insurer's compensation.
(2) Compensation calculation
In the case of determining the insurance liability and verifying the loss, the insurer may calculate the indemnity according to the compensation treatment method stipulated in this article, as follows:
1. The limit of compensation for each accident is the maximum limit of compensation for losses and arbitration or litigation expenses, and the excess shall be borne by the insured. The total amount of compensation for personal injury or property loss and arbitration or litigation expenses of registered students with the written consent of the insurer shall not exceed the compensation limit for each accident listed in the insurance policy schedule.
Among them, personal injury or death shall not exceed the compensation limit of each person. That is, the arbitration or litigation costs are calculated together with the liability for compensation and paid within the compensation limit, not separately.
2. The necessary and reasonable expenses paid by the insured to reduce or reduce the liability for personal injury or property loss of registered students after the insurance liability accident shall be compensated within another compensation limit. If the insured's final compensation exceeds the insurance compensation limit, the insurer will share the expenses in proportion.
3. Double insurance compensation. When a claim within the scope of insurance liability occurs, if other insurance covers the same liability or any part of the liability, the insurer will pay the relevant compensation in proportion to the liability limit.
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